I know a lot of people want to say 'money is just money' but if you really believe that, then complete school on your own dime WITHOUT borrowing money. If it is just money, and money doesn't need to be a serious consideration, that shouldn't be a problem. I speak as someone who hasn't had enough money to have a roof over my head and as someone who can afford to pay my own way through vet school. I KNOW how hard it is to pay student loans back...I am not conjecturing or theorizing about it. It is incredibly hard to predict the future, so minimizing debt now is wise.
So, again, look at TOTAL costs. Really sit down and write it out....cost of food in each area, cost of rent, fuel, taxes, electricity, water, any and all services that you will need. How far will you have to live from campus? How much will that commute cost you? Figure that out for all 4 years. Remember to add in costs for Dr. appts, medications (if your on any regular meds), care of animals, car repairs (these can vary greatly in different places.)
If you will travel home, even just once a year, calculate the travel costs and add to that schools 4 year total cost.
Remember with the schools to look at more than tuition...try to get at least an estimate annually on books and supplies.
Now, you should have the real cost of attendance.
What are you doing for the summers? Might need to add that in. Also, what happens if something goes wrong at home? Will you be ok saying 'sorry, I am not able to afford to visit you, even though you're really sick.' Alot of that depends on you. I didn't come home to help my father when his father died. I couldn't go home when my mother's father had a heart attack...or when my grandmother had treatment for cancer. Alot of that depends on you personally.
Once you have those numbers, use a calculator to figure out what you will owe. The one at
www.finaid.org is decent.
Realize that additional debt can alter your ability to take an internship or residency. It can affect your ability to obtain housing, a vehicle (even a used vehicle), or a practice in your future. My husband works in finance..... I am not being overly dramatic. Don't rough in the numbers...really check it out. And check out cost of living indexes...make sure your numbers are making sense (I just read a study in statistics that compared how much people trust anecdotal experience over statistical information and how 'costly' that is...and it is amazing that people will here 'so and so only paid X for an apartment in Y place' and the X is way off the average and median and mode and that when a real search is conducted, the X isn't a real price that is available to the average consumer.)
I work with several vets now that opted not to do internships/residencies BECAUSE they felt to oppressed by the debt coming out of school...and who deeply regret that debt.
Finally, when you are thinking of your future, realize that your expected income is gross...pre tax. Don't forget taxes, that cost of living can increase, that it might require location ($) to be in the field of your choice (or to have a residency/internship), etc. All of these additional real costs are often lost when people calculate thier repayment. My back of the envelope on 60k additional in loans at 5% interest across thirty years is $322/mo (on top of what ever the comparable loan costs) with cummulative payments totaling ~$116,000 (interest is ~$56,000.)
Of course, just my opinion. I speak from my experience and my husband's experience and knowledge.